Accounts not deleted when bankruptcy is discharged

Dear Experian,

My bankruptcy was discharged in February, and I was under the assumption that all the accounts would be taken off my credit report. Did I receive the proper information regarding this situation?



Dear RRI,

I’m afraid you were given bad information. The bankruptcy discharge date has nothing to do with when information will be removed from your credit report.

The bankruptcy public record will remain in your credit report for up to 10 years from the filing date. Chapter 13 bankruptcy remains for seven years and Chapter 7 remains 10 years.

Accounts included in the bankruptcy will have their status updated to show that they are included in the bankruptcy. They will be deleted seven years from the original delinquency date of the account.

The accounts usually are deleted before the bankruptcy public record because in most cases they are delinquent prior to bankruptcy being filed.

Thanks for asking.

- The “Ask Experian” team

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